More policy options

Quotacy is an independent life insurance broker. We sell policies from the nation's most trusted insurers. By using our quoting tool, you'll get multiple term life options from the best life insurance companies in minutes.

Get what's right for you

Our agents match you with the right company for your health and lifestyle—so you get the best life insurance for you. This is part of our free service as a life insurance broker.

We're transparent

We value transparency as much as you do. Everything we know about life insurance, we'll share with you so you're making informed decisions from quote to covered.

Spend less time shopping

No matter where you buy your policy, you'll pay the same rates. Pricing for life insurance is regulated by government. Don't waste time talking with multiple agents, use our free online comparison shopping tool to get your quotes.

Our focus is on you

As a life insurance broker, our focus is on finding you the best policy for your needs. Quotacy's agents work on salary, not commission—so, we're at your service.

We're experienced

We've been in the life insurance industry since 1990, and have helped our customers protect their families with over $22 billion in coverage. That's a lot of happy customers.

A.M. Best is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.

Better Business Bureau (BBB) is a non-profit that shares customer service feedback on businesses in the USA. BBB assigns ratings from A+ (highest) to F (lowest).

J.D. Power and Associates analyzes customers’ experiences with life insurance companies and ranks them on a scale from 1 to 1000.

Moody’s Investors Service is a leading provider of credit ratings, research, and risk analysis. Moody’s rating scale ranges from Aaa to C with 1, 2, and 3 to indicate whether the ranking is on the higher or lower end of that category.

Standard and Poor’s (S&P) is the world’s leading provider of credit ratings and creditworthiness. S&P’s scale ranges from AAA to D with + or – to define standing within each category.

To stand out in a competitive industry, most insurers focus on serving health or lifestyle niches.

Protective is excellent for:

Accelerated Underwriting

ADHD

Healthy Individuals

Heart Health (Heart Valve)

Protective’s eco-friendly, paperless process is the best in the industry. They’re great for those with heart conditions. Their accelerated underwriting uses a combination of underwriting expertise and technology to get you covered faster. For some applicants, it eliminates the need for lab testing and medical exams, making the process of getting insured less intrusive and simple.

Sample monthly premium quotes for a $500,000, 20-year term policy for healthy, non-smoking individuals. Pricing varies by gender (except in Montana). Women pay less for life insurance than men because they live longer on average.

Your life insurance pricing may be different and is determined by your individual risk factors and the state where you have your primary residence. Pricing as of April 2018.

*10-year term available for ages 18-75; 15-year term available for ages 18-70 (tobacco users ages 18-68); 20-year term available for ages 18-65 (tobacco users ages 18-62); 25-year term available for ages 18-55 (tobacco users ages 18-52); 30-year term available for ages 18-52 (tobacco users ages 18-43).

**State of issue, payment mode, and draft date can all impact the grace period end date. Your policy will state specifics.

Accelerated Death Benefit Rider

*Included

This rider—also known as a Terminal Illness Accelerated Death Benefit Endorsement—is included in your policy at no charge. It gives you access to a portion of your policy’s death benefit, if you are diagnosed with a terminal illness resulting in six months or less to live.

Accidental Death Benefit Rider

*Available at additional cost

Your policy’s beneficiary will receive an increased death benefit with this rider, if you die due to an accident. Cost varies by age and benefit amount with options ranging from $1,000 to $250,000—not to exceed policy face amount.

Child Rider

*Available at additional cost

For a small annual fee, add a child rider that covers your children under age 18. Options range from $1,000 to $20,000 in coverage per child. Ask your Quotacy agent for details.

Premium Waiver for Disability

*Available at additional cost

Protective will waive premium payments during a period of total disability lasting six consecutive months or more. The waived payments don’t have to be paid back. This rider is not available on all policies and the cost varies by age.

Accelerated Underwriting

Underwriting may still include evaluation of medical records and motor vehicle records.

Eligibility

Ages 18-45 applying for coverage up to $1,000,000

Ages 46-60 applying for coverage up to $500,000

Being eligible does not guarantee acceptance into the accelerated underwriting program.

If not accepted, you continue on to traditional underwriting in which a medical exam is required.

Term Policy

Issue ages for the state of New York:

10-year term available for ages 18-69;

15-year term available for ages 18-69;

20-year term available for ages 18-65 (tobacco users ages 18-62);

25-year term available for ages 18-55 (tobacco users ages 18-52);

30-year term available for ages 18-53 (tobacco users ages 18-43).

Term Conversion

If you convert to a permanent policy during the first five years of your policy, you have a wide variety of policy options. After five years, you can still convert, but options are reduced.

For a 10-year term, you must convert within the first eight years; for a 15-year term, you must convert within the first 13 years; for 20-, 25-, and 30-year terms, you must convert within the first 18 years.

Accidental Death Benefit Rider

Rider coverage expires at age 65.

Rider is not available on policies if you are rated Table 5 or higher.

Accelerated Death Benefit Rider

Also known as Terminal Illness Accelerated Death Benefit Endorsement.

You can convert up to 60% of the death benefit—not to exceed $1,000,000.

While this rider is free, there is an administrative fee when benefits are accelerated.

Child Rider

Newborn child coverage begins at 15 days old.

Rider can be converted to a new policy up to five times the rider face amount.

Parent (or child) can convert rider to a permanent policy when child reaches age 25.

Rider is not available on policies if you are rated Table 5 or higher.

Premium Waiver for Disability Rider

There is a six-month waiting period before benefit takes effect.

Rider coverage expires at age 60.

Rider is not available on policies if you are rated Table 5 or higher.

We recommend without hesitation every company reviewed on Quotacy. When you comparison shop, the death benefit amount that your loved ones would receive and the cost of the policy are the most important factors to consider. If you have any questions about the best life insurance companies for you, contact Quotacy. We'll gladly help you evaluate your life insurance options.

About Quotacy

Quotacy is a life insurance brokerage company. We make buying life insurance simple. Compare quotes for term life policies from top A-rated insurance carriers in minutes without providing your email address or phone number. Then easily apply and buy your life insurance policy online at Quotacy.